---
schema_version: "secwatch.filing_event.v1"
accession: "0001004702-26-000116"
form_type: "8-K"
ticker: "OCFC"
cik: "0001004702"
company_name: "OCEANFIRST FINANCIAL CORP"
filed_at: "2026-07-30T22:19:07+00:00"
generated_at: "2026-07-31T10:05:42.745912+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# OceanFirst reports Q2 net loss of $3.0M vs. $16.2M net income a year ago

## Summary
- Net loss of $3.0M ($0.04 diluted loss per share) vs. net income of $16.2M ($0.28 EPS) in Q2 2025.
- Net interest margin improved to 3.05% from 2.91% a year ago; efficiency ratio worsened to 98.88%.
- Six-month net income available to common stockholders fell to $17.5M ($0.27 EPS) from $36.7M ($0.63 EPS).
- Board declared $0.20 per share quarterly dividend, payable Aug 21, 2026 to holders of record Aug 10, 2026.
- Return on average tangible common equity was -0.88% annualized for Q2 vs. 5.66% a year ago.

## SEC filing metadata
- accession: 0001004702-26-000116
- form_type: 8-K
- ticker: OCFC
- cik: 0001004702
- company_name: OCEANFIRST FINANCIAL CORP
- filed_at: 2026-07-30T22:19:07+00:00
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 8.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/0001004702-26-000116-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1004702/000100470226000116/ocfc-20260730.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001004702-26-000116
- JSON: https://secwatch.observer/filing/0001004702-26-000116.json
- Plain text: https://secwatch.observer/filing/0001004702-26-000116.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.